Serve - Another Paypal/Amazon Payments.

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Read the wiki before posting a question.
It's a literacy test that's easy to pass.

This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.

For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.

Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.


You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.

https://www.serve.com/#/add-cash

If your card doesn't say "debit" on the front, it isn't a debit card.


Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.

Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.

Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD


Normal Serve
  • Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load - $200/day and $1,000/month (NOT a gift card with a PIN that some people call a "Debit card")
  • Online Credit Card Load - $200/day and $1,000/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.

Serve/Softcard Check if your phone/network is compatible
  • Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load - $500/day and $1,500/month (NOT a gift card with a PIN that some people call a "Debit card")
  • Online Credit Card Load - $500/day and $1,500/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.

The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.

Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.


Online Credit Card Loads
Only one card can be linked at a time.

As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.

The Chase Ink Bold is a charge card and has no cash advance ability.

Treated as purchase, earns cashback/points/miles:
  • Bank of America (FIA) (MasterCard, American Express)
  • Barclaycard (Mastercard, Visa)
  • Capital One (Mastercard, Visa)
  • Chase (MasterCard, Visa)
  • Citi (MasterCard, American Express)
  • Discover

Treated as purchase, but doesn't earn points/miles:
  • American Express (May count toward minimum spend)

Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.

Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.

When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.


Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal*, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.


Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.

Also see this thread: Switching from Serve to BlueBird - 31 day wait???

Switching to Serve/Softcard
  1. Call up Bluebird or Serve and close account. Make sure your account is at $0.00 before calling. Just close it, don't ask for a temp Serve or anything. CSR will say account is now closed and you have 30 days to change your mind should you decide to re-open it.
  2. Download the Softcard mobile app from Apple App Store or Google Play Store. If you're an iPhone user you have to buy the NFC CashWrap case from your carrier store.
  3. Launch Softcard Mobile App and create Softcard account. You'll be asked if you want to open a Serve account; Yes you do. Start the registration through Softcard mobile app for a Serve account, once you are finished you will be told you will receive an Email from Amex with your account approval. I waited a few hours and called Serve customer service like the wiki says and completed the registration.
  4. Once I got off the phone with Serve I received an email from Serve where I verified my account and email; at this point Amex Serve is open.
  5. Launch Softcard Mobile app again click add new
  6. Activate card with Softcard and select Amex Serve. Follow the instructions & you're good to add. Once this is complete a Serve Card will populate in Softcard. Must activate physical card to get full load limits. Check account status and it automatically credits to your serve account based on who you signed up with. (Verizon - $25, T-Mobile - $50, AT&T - $30 (For AT&T: Get $15 w/activation. Earn additional $15 w/account replenishment))

Switching from BB to Serve
  1. Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
  2. Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
  3. at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
  4. get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
  5. after the register and login, second error: "We're still processing your application. Please check your email for an update"
  6. I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
  7. CSR, told me that my account went to "account security protection department" transfer me to them.
  8. at account security protection department, they told me need to call back on my phone number which I registered to verify.
  9. after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
  10. CSR also told me the I can load and spend on the temporary card, but not bill pay.

The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318



Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.

Training a WM cashier:
  • If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
  • If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
  • The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
  • Avoid saying gift card. Always refer to your card as a debit card.

Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.

DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.

TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.

HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.


Using Serve
For online bill pay
  • You can pay the credit card that you used to buy VRs/GCs
  • Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
  • Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement



For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===

People with an apartment address can find helpful information quoted in post #8530
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Old Sep 10, 14, 6:31 am
  #6526  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by bigugly View Post
My wife just got a phone, which I recently found out has the NFC built in and can do ISIS Mobile Wallet...

I just wanted to clarify, I can't just add her existing SERVE card to ISIS Mobile Wallet and have the limits bumped up to SERVE/ISIS limits... is this correct? We will need to follow the "Switch to ISIS" procedure to get the increased limits?
correct. in other words, if you have a regular Serve account, adding it to the SC wallet does not make it Serve-SC and you won't increase your load of CC to 1500 monthly. But you can cancel a regular Serve and switch immediately to Serve-SC but make sure to register via mobile serve.
Mamibear is offline  
Old Sep 10, 14, 6:48 am
  #6527  
 
Join Date: Aug 2014
Posts: 13
amex target load

is anyone else having trouble linking amex target to serve/isis as a credit card?
FWFFan is offline  
Old Sep 10, 14, 6:52 am
  #6528  
 
Join Date: Jul 2010
Location: PHL
Programs: AA Plat, WoH Glob, HHonors (faux) Diamond
Posts: 2,908
Bill pay

So, as I understand it -- and, believe you me, I do not trust my, or the random CSR's, understanding of SErve, which is why I am writing -- when you do Bill Pay, and the payment is not going to a place on their pre-existing list:

At least the first time they are making a payment, they are cutting a check from their bank and mailing it to the payee. Serve gives us an expected payment date with our on-line receipt, and a guarantee that if the payment does not arrive by that date, they (Serve) will pay late fees up to $50.

But unlike with some other pay-bill services, Serve never seems to tell you when or if the payment was sent/delivered/cashed ... and when you call (or at least when I called) they just repeat back to you what has already been "said" by the computer when you (I) did the pay-bill thing in the first place: amount sent, when it will arrive.

So if the payee is not showing receipt, how do you (I) try to convince them that the check was actually sent? Or do you just wait until you are dinged with a late fee, then send it to Serve and ask, "So now will you tell me how it is that you think you actually paid them?" Does not seem like a promising strategy.
Biggie Fries is offline  
Old Sep 10, 14, 7:05 am
  #6529  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by Biggie Fries View Post
So, as I understand it -- and, believe you me, I do not trust my, or the random CSR's, understanding of SErve, which is why I am writing -- when you do Bill Pay, and the payment is not going to a place on their pre-existing list:

At least the first time they are making a payment, they are cutting a check from their bank and mailing it to the payee. Serve gives us an expected payment date with our on-line receipt, and a guarantee that if the payment does not arrive by that date, they (Serve) will pay late fees up to $50.

But unlike with some other pay-bill services, Serve never seems to tell you when or if the payment was sent/delivered/cashed ... and when you call (or at least when I called) they just repeat back to you what has already been "said" by the computer when you (I) did the pay-bill thing in the first place: amount sent, when it will arrive.

So if the payee is not showing receipt, how do you (I) try to convince them that the check was actually sent? Or do you just wait until you are dinged with a late fee, then send it to Serve and ask, "So now will you tell me how it is that you think you actually paid them?" Does not seem like a promising strategy.
this is true in my experience and I don't get emails from them whether my payment has been received by my payee. They leave it to me to follow up and make sure; I guess I just have to live with this inconvinience or find other solutions. If I want a payment posted immediately, what I do is just to w/d funds and deposit it to my bank and pay the CC from there. That gives me assurance my payment goes through same day I sent it especially when I initiate payment early morning.

I have to follow up with my payees especially those that are not in their list if they received the check from B/P sent on X date supposedly received on Y date. I've noticed it takes an average of 4 to 6 biz days for some to arrive. Good thing that soon as I get email notice of a bill, I initiate payment immediately so that even if it takes 6 days, I'm assured payment will get there. For other payees like CC companies, payment is posted as paid in 2 biz days but I still don't take chances of sending payment that is due in 2 days or else I am sure to take the late fees from the CC company. I've always paid ahead, never late ever since I used CCs.
Mamibear is offline  
Old Sep 10, 14, 8:29 am
  #6530  
 
Join Date: Jun 2014
Location: Oklahoma
Posts: 149
I've been mucking up my Kate as well. Anyone have a list of the error codes handy? Mine was 57 if anyone knows it off hand. I'm hoping I just stupidly screwed up the PIN.
workaccounttoday is offline  
Old Sep 10, 14, 12:46 pm
  #6531  
 
Join Date: Sep 2013
Posts: 829
if anyone needs Isis (now Softcard) referral, please pm me.
MaineCoon is offline  
Old Sep 10, 14, 12:58 pm
  #6532  
 
Join Date: Aug 2013
Posts: 415
There was discussion here a long time ago about getting a pay as you go plan with T-Mobile to be able to get "Softcard" up and running. Specifically, there was talk about putting in only $2 towards 1 day of service to get everything set up. How is this accomplished? The smallest denomination I can buy in store or online is $10. TIA!
ttlmmky is offline  
Old Sep 10, 14, 1:06 pm
  #6533  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by workaccounttoday View Post
I've been mucking up my Kate as well. Anyone have a list of the error codes handy? Mine was 57 if anyone knows it off hand. I'm hoping I just stupidly screwed up the PIN.
I got a code 12 at the regular register and says Debit not approved while loading OV. I bought a $5 WM GC just to see if would go through and changed payment to Debit. It went through so I suspect that if there's a block it is strictly for loading to BB/Serve but not for payment for regular merchandise.

I chanced upon Kate when she wasn't busy and she took my $495 OV. Seems they haven't re-programmed her yet so I'll continue to monitor.
Mamibear is offline  
Old Sep 10, 14, 1:09 pm
  #6534  
 
Join Date: Mar 2014
Posts: 226
Originally Posted by Mamibear View Post
I got a code 12 at the regular register and says Debit not approved while loading OV. I bought a $5 WM GC just to see if would go through and changed payment to Debit. It went through so I suspect that if there's a block it is strictly for loading to BB/Serve but not for payment for regular merchandise.

I chanced upon Kate when she wasn't busy and she took my $495 OV. Seems they haven't re-programmed her yet so I'll continue to monitor.
Did you try pushing a small amount to BB/Serve with OV? I haven't been able to load the full $495 OVs for a couple of weeks now, but transactions under $50 go through no problem.
dboston1 is offline  
Old Sep 10, 14, 1:40 pm
  #6535  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by dboston1 View Post
Did you try pushing a small amount to BB/Serve with OV? I haven't been able to load the full $495 OVs for a couple of weeks now, but transactions under $50 go through no problem.
now that you mentioned it, I will try that next time and report if there's a difference. Thanks for sharing that idea.
Mamibear is offline  
Old Sep 10, 14, 2:55 pm
  #6536  
 
Join Date: Jun 2014
Location: Oklahoma
Posts: 149
Originally Posted by dboston1 View Post
Did you try pushing a small amount to BB/Serve with OV? I haven't been able to load the full $495 OVs for a couple of weeks now, but transactions under $50 go through no problem.
Doing under $50 seems like a hassle to consistently do. I guess I'll keep using FD and do things slowly.
workaccounttoday is offline  
Old Sep 10, 14, 3:03 pm
  #6537  
 
Join Date: Aug 2014
Posts: 11
Originally Posted by nadir576 View Post
Has any body ordered from ISIS/softcard website and do you how long it will take to get these cards in mail? the website say within few WEEKS. I am hoping to get some time frame.
I ordered one from the ISIS website 2 months ago and have yet to receive it. The only contact info they have is for T-mobile (and they were unable to help after 2 sessions of 30-45min on the phone). Since I'm unable to get them in stores either, I tried placing another order online 2 days ago... we'll see.

Originally Posted by ttlmmky View Post
There was discussion here a long time ago about getting a pay as you go plan with T-Mobile to be able to get "Softcard" up and running. Specifically, there was talk about putting in only $2 towards 1 day of service to get everything set up. How is this accomplished? The smallest denomination I can buy in store or online is $10. TIA!
I think you have to have the data plan to set it up since it doesn't work on wifi ($3 per day), but not being able to get the SIM card I haven't tried yet.

When I was on the phone with T-mobile for other reasons the rep added a complimentary $3 on to my account. This was after I complained about not being able to setup the online account without paying for a day of service since it requires a text message verification.
estancergist is offline  
Old Sep 10, 14, 3:25 pm
  #6538  
 
Join Date: Apr 2011
Posts: 81
So OV as a credit .. instead of Debit when loading to Serve is Hard Coded at ALL WM POS registers NationWide or only in few states? I was gonna try it at my NYC local WM but if it is Hard Coded then i'm not even gonna bother.
stark4 is offline  
Old Sep 10, 14, 4:22 pm
  #6539  
 
Join Date: Dec 2013
Posts: 3,083
Do you guys think Amex will issue new "Serve Isis" cards that say "Serve Softcard" on it after the transition is complete?
ericdabbs is offline  
Old Sep 10, 14, 4:46 pm
  #6540  
 
Join Date: Jul 2014
Posts: 427
Originally Posted by Mamibear View Post
I got a code 12 at the regular register and says Debit not approved while loading OV. I bought a $5 WM GC just to see if would go through and changed payment to Debit. It went through so I suspect that if there's a block it is strictly for loading to BB/Serve but not for payment for regular merchandise.

I chanced upon Kate when she wasn't busy and she took my $495 OV. Seems they haven't re-programmed her yet so I'll continue to monitor.
Same problem for me at a couple of stores very recently.
bigugly is offline  

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